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Loans And Related Allowances For Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Loans and Related Allowances for Loan Losses [Abstract]

Loan Portfolio Segments

The following table summarizes the primary segments of the loan portfolio as of December 31, 2014 and December 31, 2013:

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
December 31, 2014
Individually evaluated for impairment	$	11,949	$	6,553	$	1,861	$	4,418	$	0	$	24,781
Collectively evaluated for impairment	$	244,115	$	92,748	$	91,394	$	363,223	$	23,730	$	815,210
Total loans	$	256,064	$	99,301	$	93,255	$	367,641	$	23,730	$	839,991
December 31, 2013
Individually evaluated for impairment	$	11,740	$	11,703	$	2,299	$	7,546	$	21	$	33,309
Collectively evaluated for impairment	$	256,238	$	95,547	$	57,489	$	343,360	$	24,297	$	776,931
Total loans	$	267,978	$	107,250	$	59,788	$	350,906	$	24,318	$	810,240

Schedule of Related Party Transactions

Changes in the dollar amount of loans outstanding to officers, directors and their associates were as follows for the year ended December 31:

(in thousands)		2014
Balance at January 1	$	9,871
Loans or advances		1,226
Repayments		(1,890)
Balance at December 31	$	9,207

Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating

(in thousands)	Pass		Special Mention		Substandard		Total
December 31, 2014
Commercial real estate
Non owner-occupied	$	115,276	$	10,884	$	11,273	$	137,433
All other CRE		90,740		8,618		19,273		118,631
Acquisition and development
1-4 family residential construction		12,920		0		790		13,710
All other A&D		72,323		1,356		11,912		85,591
Commercial and industrial		88,579		884		3,792		93,255
Residential mortgage
Residential mortgage - term		280,113		379		10,934		291,426
Residential mortgage – home equity		74,698		90		1,427		76,215
Consumer		23,658		0		72		23,730
Total	$	758,307	$	22,211	$	59,473	$	839,991
December 31, 2013
Commercial real estate
Non owner-occupied	$	103,556	$	9,243	$	24,745	$	137,544
All other CRE		100,461		8,479		21,494		130,434
Acquisition and development
1-4 family residential construction		8,764		0		4,497		13,261
All other A&D		73,198		1,787		19,004		93,989
Commercial and industrial		55,768		140		3,880		59,788
Residential mortgage
Residential mortgage - term		261,735		752		11,980		274,467
Residential mortgage – home equity		73,901		628		1,910		76,439
Consumer		24,143		5		170		24,318
Total	$	701,526	$	21,034	$	87,680	$	810,240

Loan Portfolio Summarized by the Past Due Status

(in thousands)	Current		30-59 Day Past Due		60-89 Days Past Due		90 Days+ Past Due		Total Past Due and still accruing		Non-Accrual		Total Loans
December 31, 2014
Commercial real estate
Non owner-occupied	$	135,994	$	104	$	183	$	0	$	287	$	1,152	$	137,433
All other CRE		112,825		1,196		0		0		1,196		4,610		118,631
Acquisition and development
1-4 family residential construction		13,710		0		0		0		0		0		13,710
All other A&D		81,702		239		40		1		280		3,609		85,591
Commercial and industrial		93,060		0		20		4		24		171		93,255
Residential mortgage
Residential mortgage - term		279,340		8,654		1,350		416		10,420		1,666		291,426
Residential mortgage – home equity		74,913		577		313		69		959		343		76,215
Consumer		23,316		287		88		39		414		0		23,730
Total	$	814,860	$	11,057	$	1,994	$	529	$	13,580	$	11,551	$	839,991
December 31, 2013
Commercial real estate
Non owner-occupied	$	136,462	$	191	$	145	$	65	$	401	$	681	$	137,544
All other CRE		121,985		1,490		207		0		1,697		6,752		130,434
Acquisition and development
1-4 family residential construction		12,018		0		139		0		139		1,104		13,261
All other A&D		88,071		1,075		33		282		1,390		4,528		93,989
Commercial and industrial		59,320		87		57		133		277		191		59,788
Residential mortgage
Residential mortgage - term		259,239		8,258		2,541		634		11,433		3,795		274,467
Residential mortgage – home equity		74,917		656		439		96		1,191		331		76,439
Consumer		23,802		350		128		24		502		14		24,318
Total	$	775,814	$	12,107	$	3,689	$	1,234	$	17,030	$	17,396	$	810,240

Primary Segments of the Allowance for Loan Loss

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
December 31, 2014
Individually evaluated for impairment	$	36	$	1,141	$	0	$	59	$	0	$	1,236
Collectively evaluated for impairment	$	2,388	$	2,771	$	1,680	$	3,803	$	187	$	10,829
Total ALL	$	2,424	$	3,912	$	1,680	$	3,862	$	187	$	12,065
December 31, 2013
Individually evaluated for impairment	$	236	$	1,967	$	0	$	80	$	0	$	2,283
Collectively evaluated for impairment	$	3,816	$	2,205	$	766	$	4,240	$	284	$	11,311
Total ALL	$	4,052	$	4,172	$	766	$	4,320	$	284	$	13,594

Impaired Loans and Related Interest Income by Loan Portfolio Class

		Impaired Loans with Specific Allowance				Impaired Loans with No Specific Allowance		Total Impaired Loans
(in thousands)		Recorded Investment		Related Allowances		Recorded Investment		Recorded Investment		Unpaid Principal Balance
December 31, 2014
Commercial real estate
Non owner-occupied	$	143	$	35	$	4,353	$	4,496	$	4,543
All other CRE		0		0		7,453		7,453		7,944
Acquisition and development
1-4 family residential construction		790		105		0		790		836
All other A&D		3,615		1,037		2,148		5,763		9,590
Commercial and industrial		0		0		1,861		1,861		2,723
Residential mortgage
Residential mortgage - term		296		59		3,779		4,075		4,485
Residential mortgage – home equity		0		0		343		343		363
Consumer		0		0		0		0		0
Total impaired loans	$	4,844	$	1,236	$	19,937	$	24,781	$	30,484
December 31, 2013
Commercial real estate
Non owner-occupied	$	257	$	59	$	922	$	1,179	$	1,191
All other CRE		1,080		177		9,481		10,561		10,689
Acquisition and development
1-4 family residential construction		2,651		634		7		2,658		2,704
All other A&D		4,037		1,333		5,008		9,045		13,394
Commercial and industrial		0		0		2,299		2,299		2,299
Residential mortgage
Residential mortgage - term		988		80		5,979		6,967		7,372
Residential mortgage – home equity		0		0		579		579		579
Consumer		0		0		21		21		21
Total impaired loans	$	9,013	$	2,283	$	24,296	$	33,309	$	38,249

Allowance for Loan Losses Summarized by Loan Portfolio Segments

Activity in the ALL is presented for the years ended December 31, 2014 and December 31, 2013:

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
ALL balance at January 1, 2014	$	4,052	$	4,172	$	766	$	4,320	$	284	$	13,594
Charge-offs		(485)		(2,673)		(266)		(847)		(512)		(4,783)
Recoveries		11		133		26		229		342		741
Provision		(1,154)		2,280		1,154		160		73		2,513
ALL balance at December 31, 2014	$	2,424	$	3,912	$	1,680	$	3,862	$	187	$	12,065
ALL balance at January 1, 2013	$	5,206	$	5,029	$	906	$	4,507	$	399	$	16,047
Charge-offs		(233)		(2,200)		(1,066)		(485)		(590)		(4,574)
Recoveries		1,004		100		79		199		359		1,741
Provision		(1,925)		1,243		847		99		116		380
ALL balance at December 31,2013	$	4,052	$	4,172	$	766	$	4,320	$	284	$	13,594

Average of Impaired Loans and Related Interest Income by Loan Portfolio Class

The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended December 31, 2014 and 2013:

	2014						2013
(in thousands)	Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis		Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis
Commercial real estate
Non owner-occupied	$	2,411	$	71	$	0	$	3,564	$	39	$	1,454
All other CRE		9,088		148		67		10,670		314		46
Acquisition and development
1-4 family residential construction		1,510		43		0		2,958		77		0
All other A&D		7,639		161		0		16,700		494		575
Commercial and industrial		2,024		98		2		2,735		112		0
Residential mortgage
Residential mortgage - term		6,056		200		62		5,245		102		11
Residential mortgage – home equity		581		4		4		559		22		1
Consumer		10		0		0		64		0		0
Total	$	29,319	$	725	$	135	$	42,495	$	1,160	$	2,087

Modification of Troubled Debt Restructuring by Class

The following table presents the volume and recorded investment at the time of modification of TDRs by class and type of modification that occurred during the periods indicated:

	Temporary Rate Modification			Extension of Maturity			Modification of Payment and Other Terms
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
(Dollars in thousands)
For the year ended December 31, 2014
Commercial real estate
Non owner-occupied	0	$	0	2	$	277	0	$	0
All other CRE	0		0	0		0	4		2,627
Acquisition and development
1-4 family residential construction	0		0	0		0	1		790
All other A&D	0		0	0		0	1		1,782
Commercial and industrial	0		0	0		0	0		0
Residential mortgage
Residential mortgage – term	2		160	1		233	0		0
Residential mortgage – home equity	0		0	0		0	0		0
Consumer	0		0	0		0	0		0
Total	2	$	160	3	$	510	6	$	5,199
For the year ended December 31, 2013
Commercial real estate
Non owner-occupied	0	$	0	0	$	0	0	$	0
All other CRE	0		0	2		268	0		0
Acquisition and development
1-4 family residential construction	0		0	0		0	0		0
All other A&D	0		0	0		0	1		1,381
Commercial and industrial	0		0	5		669	0		0
Residential mortgage
Residential mortgage – term	4		437	2		636	0		0
Residential mortgage – home equity	0		0	0		0	0		0
Consumer	0		0	0		0	0		0
Total	4	$	437	9	$	1,573	1	$	1,381

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